Tens of millions of prudent investors, including retirees and lower income savers, have taken a huge hit in income
this past decade due to the drastic lowering of interest rates. (Higher rates would have increased the desired
"Stimulus" buying from them)! Thanks to the Federal Reserve’s actions, necessary or not, these short term
CD, money market rates are negative, after Inflation and Taxes - forcing people into riskier investments that are not suitable.

Zero Intolerance strategy of Deep-In-The-Money covered calls provides a lower risk investment plan than just
being in the stock market via an Index or mutual fund, but with higher rewards. Based on quality dividend-paying
stocks, with additional money coming from the calls (replacing hoped for appreciation) should be 10 times current CD
rates or more. More importantly, it provides a "safety net" for 99% of market behavior.

This strategy's time frame is between the old Buy-&-Hold of the 20th C. and day trading against black box experts -
neither of which is very successful. With a minimum of investment knowledge and effort/time each week, it is quite
simple once learned.

The DITM covered call strategy can be followed on: ditmcalls.blogspot.com,
with tables of past trading results and current positions. With nearly 100 trades over the past 2 years, this defensive plan has
only had a couple losses/drawdowns while averaging @10% annualized returns.

Market Sentiment - A Contrarian View

There is a FREE place to learn of local investor educational opportunities (e.g., investment group meetings, seminars, etc.)
once a week, as well as some factoids gleaned from Barron's, Mauldin, etc. and Sentiment readings based on Contrary Opinion
of most investors- if interested, you can Subscribe, Bookmark, Save to Desktop, or just check in:

Although the DITM covered call strategy covered in my book was quite successful over 4 years, the Fed-led escalator market reduced the volatility needed to attractively price the options - that may return in 2015. In addition, I write in my Zero (IN)Tolerance blog about another strategy that is even more rewarding as well as more hedged (with money brought in): Buying stocks with LEAP -long term options- and selling "Strangles" on them. (Straddles) Puts and calls with different out-of-the-money strike prices.

In the 200 years of U.S. stocks’ history since the Buttonwood Tree Agreement, two things stand out: The consistent 18-19
year cycles alternating between Bull markets, such as the exceptionally strong one of 1982-2000 (also 1949-1966), and
flat to down markets in between. We are presumably halfway-through one of the latter stages, much like Japan was, in what
Technician Martin Pring calls the "Lost Decade". Severe crashes, of which we have seen two in the past decade, occur
only 1% of the time, but do the most severe damage to wealth - these are the only real drawbacks to this or any other
strategy, and should be hedged against with small costs.